4 Pillars Victoria Debt Restructuring | Chris Grew

Chris Grew Credit Counselling Headshot

4 PILLARS DEBT RELIEF SPECIALIST

  • ■ 97% of families successfully complete the plans we create and become debt free.
  • ■ On average, our clients have been able to eliminate 80% of their debts.
  • ■ Our plans are 100% legal and have helped thousands of families and individuals.
  • ■ We Support local financial literacy initiatives and offer education to families in debt.

We'd love to discuss how we can help you become debt free


Amount of Unsecure Debt

$10,000 - $50,000$50,000 - $100,000$100,000 - $250,000More Than $250,000
Postal Code Must Follow Canadian Format

Province

Home Owner

YesNo



4 Pillars Victoria, Chris Grew

3 EASY STEPS

01

FOCUSED STRATEGIC PLANS TO HELP YOU BECOME DEBT FREE

The goal is to help get you out of debt as soon as possible, help get you into a payment plan you can easily afford, and help protect your assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term financial goals

02

RESTRUCTURE YOUR DEBT

Our role is to represent you, and structure a new affordable payment plan to deal with your debt, either through a comprehensive budgeting program, sourcing reasonable finance options that make sense for you, or if required through a filing with a Licensed insolvency trustee. What is a trustee you may ask? A trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. The role of the trustee is to investigate the debtors financial situation and to ensure that the debtors rights are not abused while also protecting the rights of your creditors. The trustee cannot act as your financial advocate to help get you the best possible outcome and their fees are a tariffed based percentage of what they collect on behalf of your creditors. In saying all of that, we believe it to be imperative that you obtain your own representation in any major financial decision. If carefully structured with your best interests in mind, a proposal to creditors will usually repay a portion of what you owe, often eliminating up to 80 per cent of debt.

03

RE-ESTABLISH YOUR CREDIT RATING AS YOU ACHIEVE DEBT FREEDOM

Building cash savings and gaining an understanding of how to build / maintain a good credit rating are the cornerstones of any successful plan to deal with debt. Once you have the new plan in place, those will be the next items we discuss with you. We help you understand your credit report, the importance of maintaining a strong credit profile, how to effectively manage credit, and therefore keep yourself out of debt for good.

CALCULATE YOUR

DEBT

Our Debt Repayment Calculator will help you determine how long it
will take for you to pay off all of your outstanding debt. Simply enter
in your current debts and an expected monthly payment or a desired
pay off time frame to see how much time and money you could save.

Debt Calculator

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Full Payoff Information

  • $ 0

    Balance

  • 0 %

    Interest Rate

  • $0

    If you paid only the minimum payment

  • 0 Months

    Expected Payoff Time

  • $0

    Total Interest You Would Have To Paid

IMAGINE A DEBT-FREE FUTURE

Family after debt consolidation loan

97% of families successfully complete the plans we create and become debt free.

Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.

It’s important to understand that you are not your debt. Like millions of Canadians, you may have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.

At 4Pillars, We Work For YOU

Chris Grew and his Victoria team work exclusively for you, not your creditors.

Many people are not aware that non-profit credit counselling societies receive 70% or more of their funding from credit card companies, banks, and other creditors. Since they are primarily funded by creditors, it is their interest that they protect. While they are non-profit, they do charge monthly fees to the Debtor. It is essential to have someone on your side, who is working for you and your long term interests, while you go through this process. The decisions you make will have a long term impact on your life. At 4Pillars, our only focus is our clients.

Kayak Victoria

YOU’RE NOT ALONE

4 Pillars helps Canadians restructure almost

$1,000,000 of consumer debt every day.

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